Global Money Movement
Send and receive money with Xago's innovative cross-border money transfer solution designed to reduce costs and currency volatility. For businesses and individuals.
Settles in
Minutes, not days
Pegged
1:1 to fiat · on XRPL
Trusted By
Why banks, corporates and remittance businesses choose Xago
Bespoke, cross-border settlement — priced per transaction, built for low-liquidity corridors.
Per-transaction pricing
No monthly fees or lock-in. Pay only when the money moves.
Regulation
Xago is regulated in multiple jurisdictions.
Fiat on- and off-ramp
Local settlement in over 60 countries.
Stablecoin settlement
Supporting major stablecoins, including USDT and USDC.
Hard-to-reach corridors
Serving routes where traditional banking rails are slow, costly or have liquidity constraints.
XRPL
Tech stack built on proven blockchain technology.
Start using Xago in 3 simple steps
From sign-up to settlement
Create
Sign up and complete standard KYC for individuals or KYB for businesses.
Fund
Fund with fiat or stablecoin and convert to any of the supported currencies.
Settle
Link and pay out to your bank or stablecoin beneficiaries.
Powered by blockchain
Xago orchestrates value on the XRP Ledger so that funds move where traditional rails can't.
Speed
Faster settlement for your cross-border money transfers.
Cost
Tailored payment solutions, priced per transaction.
Reach
Continually adding currencies and opening new corridors.
2016
Established
CASP
FSCA
VASP
NBFIRA
DCE
AUSTRAC
How we deliver value
“Multi-currency banking and treasury management, optimised for low liquidity and FX conversions.”
Banking, Treasury and Payments
Integrated security and compliance
Operates at institutional-grade security standards.
Data Protection
Cloud-based infrastructure featuring robust end-to-end encryption
Audits and Assurance
Ongoing third-party audits by leading independent auditing firms
Governance and Controls
Structured operational governance to mitigate operational risk
Comprehensive AML/CTF
Client due diligence, real-time monitoring, and strict sanctions screening
Crypto assets are volatile and carry risk of loss. Stablecoin transactions on Xago are pegged 1:1 to supported fiat currencies but are not deposit-insured. Xago Technologies Pty Ltd is regulated by the FSCA; please review the applicable risk disclosures before transacting.
Security, pricing, and eligibility
Straight answers on how Xago is regulated, priced, and who can use it — no fine print buried in a help centre.
Xago Technologies Pty Ltd is regulated by the Financial Sector Conduct Authority (FSCA) in South Africa. Transfers move as stablecoins pegged 1:1 to their supported fiat currency on the XRP Ledger, settled under our licensed operating framework. Client funds and KYC data are handled under FSCA-aligned compliance controls, not ad-hoc internal policy.
Crypto assets can be highly volatile and are not suitable for all investors. Xago Technologies Pty Ltd is regulated by the FSCA. This page does not constitute financial advice.
Move money across borders, per transaction — no monthly fees.
FSCA-regulated · KYC-verified onboarding
Crypto assets are volatile and carry risk of loss. Xago Technologies Pty Ltd is regulated by the FSCA.